Getting The Most From Homeownership

Our HUD-Certified Housing Counselors can help with identifying available resources to determine rent affordability and sustainability. Counselors can help you understand monthly budgeting, good rental practices and learn about your rights and responsibilities as a tenant. We are here to help you every step of the way, at no cost to you!

Home Equity Conversion Mortgage (HECM) loans are federally insured reverse mortgage products that help seniors (62+) access the equity in their homes without having to sell their homes.

If your lender has asked you to complete HECM Counseling as a condition of your loan, we provide this line of service offered by our HUD Certified HECM Counseling Team.

A HUD-Approved Certified Housing Counselor is a trained professional who can guide you on the choices that may be available to prevent foreclosure. Each mortgage servicer and investor may offer borrowers alternative solutions that have different eligibility requirements. Every situation and solution is unique!

Home ownership transforms lives, increasing families’ and individuals’ access to financial stability and wealth. Our HUD Certified Counselors will provide homebuyers with a thorough assessment; understanding debt, credit, down payment programs with the goal of getting you mortgage ready from beginning to end.

What Documents Do I Need?

These are also the documents you need to apply for a loan. If you have trouble finding any of these documents, reach out to the source. For tax returns, reach out to whatever service helped you file, and for bankruptcy documents, try reaching out to the court where your case was heard.

• Three most current and consecutive pay stubs
• Three most current, consecutive, and complete bank statements
• Three most current and consecutive tax returns; Federal & State with W-2 and/or 1099 forms
• Current Profit and Loss if self-employed

This virtual course is offered on consecutive Saturday's from 8:30am - 12:30pm; two four-hour sessions. Both sessions must be attended to receive the certificate.

This virtual advanced course is for homebuyers who will be purchasing within one year, are currently in escrow or eager to understand the homebuying process. This Advanced HUD Approved Course is $25 per person, one registration per person.

Key information on budgeting, credit, lending, real estate process, insurance and down payment assistance is covered. A HUD Homebuyer Certificate and valid for one year of the date of completion. 

2022 Dates:

February 12 & 19, 2022 (Session I and II)

March 19 & 26, 2022 (Session I and II)

April 23 & 30,  2022 (Session I and II)

May 14 & 21, 2022 (Session I and II)

June 4 & 11, 2022 (Session I and II)

July 16 & 23, 2022 (Session I and II)

August 20 & 27, 2022 (Session I and II)

September 17 & 24, 2022 (Session I and II)

October 15 & 22, 2022 (Session I and II)

November 5 & 12, 2022 (Session I and II)

December 3 & 10, 2022 (Session I and II)

This virtual presentation is geared for first time homebuyers who are thinking of purchasing a home to gain a better understanding of down payment assistance programs, resources to prepare you towards homeownership and understanding lending products.

This virtual presentation is offered on the second Tuesday of every month effective March - November, 2022 from 5:30 - 6:45pm.

The link will be sent to registered attendees one day prior to the scheduled virtual presentation. For questions, email [email protected] Registration is required and must be made no later than 48 hours prior to the scheduled date.

Our 90 minute Home Buying 101 is an entry-level class designed to prepare homebuyers with the fundamentals of becoming mortgage ready. Home buying related topics will be presented along with information for down payment programs.

• 5:30pm to 7:00pm
• $10 registration fee, refunded only if you attend

This online Money Management course is available through eHome America's comprehensive and interactive online platform.

eHome Money Management empowers you to:

• Understand Savings and SpendingUnderstand CreditManage Personal Finances

We work with non-profit organizations and counselors to ensure you receive unbiased advice from professionals in your local community.

• Course Fee: $50 per person, nonrefundable
• The course fee is non-refundable.